The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$31,769
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,757
−HK$1,004/mo
Today · 4.125%
HK$33,761
baseline
▲ 0.50% · 4.625%
HK$35,815
+HK$2,054/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,522/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,342
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,290
−HK$962/mo
Today · 4.125%
HK$37,252
baseline
▲ 0.50% · 4.625%
HK$39,215
+HK$1,963/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,504/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,122
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,308
−HK$1,205/mo
Today · 4.125%
HK$40,513
baseline
▲ 0.50% · 4.625%
HK$42,978
+HK$2,465/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,026/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,411
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,548
−HK$1,154/mo
Today · 4.125%
HK$44,702
baseline
▲ 0.50% · 4.625%
HK$47,058
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,404/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,476
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,860
−HK$1,405/mo
Today · 4.125%
HK$47,265
baseline
▲ 0.50% · 4.625%
HK$50,141
+HK$2,876/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,530/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,479
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,806
−HK$1,346/mo
Today · 4.125%
HK$52,152
baseline
▲ 0.50% · 4.625%
HK$54,901
+HK$2,749/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,304/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,184
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,962
−HK$1,807/mo
Today · 4.125%
HK$60,769
baseline
▲ 0.50% · 4.625%
HK$64,467
+HK$3,698/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,538/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,616
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,322
−HK$1,731/mo
Today · 4.125%
HK$67,053
baseline
▲ 0.50% · 4.625%
HK$70,588
+HK$3,535/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,106/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,452 · Scale 2, in force from 26 Feb 2026)